Free Guide to Spending Less for Pittsfield Auto Insurance Online

Overpriced auto insurance can empty your bank account and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to help make ends meet. Numerous battle for your hard-earned dollar, and because of this it can be hard to compare to find the lowest rate

It's important to compare prices yearly because prices are constantly changing. If you had the best price a few years ago you can probably find a better price now. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to one of the easiest ways to get good coverage at a lower rate.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

The list below includes a few of the "ingredients" used by your company to calculate rates.

With age comes lower rates - More mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers tend to be less responsible when driving therefore auto insurance rates are much higher.
Pleasure use saves money - The more you drive in a year's time the more you will pay for auto insurance. Almost all companies charge to insure your cars based on their usage. Cars and trucks left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance policy is showing the correct driver usage.
Equipment add-ons that lower auto insurance rates - Purchasing a vehicle with an alarm system can save you a little every year. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping car theft.
Add-on coverages can add up - There are a lot of add-on coverages that you can buy when buying auto insurance. Coverages like personal injury protection, towing coverage and additional equipment coverage may be costing you every month. These coverages may sound good when you first buy your policy, but now you might not need them so get rid of them and save.
Pay less after the wedding - Having a spouse actually saves money on your policy. It translates into being more mature and it's proven that married drivers get in fewer accidents.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be manually applied prior to getting the savings. If they aren't giving you every credit you deserve, you are paying more than you should be.

College Student - Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
Save with a New Car - Insuring a new car can cost up to 25% less since new cars are generally safer.
Student Driver Training - Cut your cost by having your teen driver complete a driver education course in high school.
Drive Less and Save - Keeping the miles down can earn discounted rates on garaged vehicles.
Sign Online - Certain companies may give you up to $50 just for signing your application on their website.

Keep in mind that most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, it just doesn't work that way. But any discount will cut your premiums.

To choose companies with the best auto insurance discounts in Pittsfield, click here to view.

The auto insurance bait and switch

Consumers in Massachusetts can't ignore all the ads for car insurance savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you can save if you move your coverage to them.

How do they all claim to save you money?

All companies have a preferred profile for the type of customer that makes them money. For example, a desirable insured might be a mature driver, has no prior claims, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will have to pay a more expensive rate and ends up with the customer not buying. The ad wording is "customers that switch" not "everyone that quotes" save that much money. This is how insurance companies can advertise the way they do.

Because of the profiling, you should get as many comparisons as possible. It's impossible to know which insurance companies will provide you with the cheapest rates.

Your personal situation dictates your coverage

When buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone's needs are different so your insurance should reflect that Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

Do I pay less if my vehicle is kept in my garage?
Who is covered when they drive my vehicle?
Is rental equipment covered for theft or damage?
Is my vehicle covered for flood damage?
Does my liability insurance cover pulling a trailer or camper?
Am I covered when driving on a suspended license?
Am I covered when driving in Canada or Mexico?

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

More information can be found on the website for the Massachusetts Division of Insurance located here. Visitors are able to read enforcement actions against agents and companies, file complaints about an insurance agent or broker, view a list of available companies, and discover disciplinary actions.

Best coverage at the best price

When shopping online for auto insurance, you should never buy poor coverage just to save money. There are many occasions where consumers will sacrifice physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at a price you can afford.

Affordable auto insurance is possible both online as well as from independent agents in Pittsfield, and you need to price shop both to have the best rate selection. Some auto insurance companies don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.